How to Consult and Withdraw FGTS → Easy and Quick

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Consulting and withdrawing the Severance Indemnity Fund (FGTS) are important procedures for every Brazilian worker. In this article, we'll explore the step-by-step process, requirements and tips for effectively consulting and withdrawing your FGTS.

Understanding the FGTS

The FGTS was created with the aim of protecting workers dismissed without just cause, through an account linked to the employment contract. Each month, employers deposit the amount corresponding to 8% of each employee's salary in accounts opened at the Caixa Econômica Federal on behalf of the employees.

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FGTS consultation

Workers have several options for checking their FGTS balance:

    1. FGTS applicationAvailable for download on Android and iOS smartphones, the app allows you to check your balance, the deposits made by your employer and update your address. To use it, simply register with your Social Identification Number (NIS) or CPF.
    2. Caixa website: Through the Caixa Econômica Federal website, accessing the FGTS option, it is possible to carry out

 

  1.  the consultation by informing the NIS or CPF and the registered internet password.
  2. SMS/EmailThe worker can register to receive monthly FGTS information by SMS or email, including updated balance, deposits and withdrawal releases.
  3. Caixa Internet BankingFor those who are already Caixa customers, another alternative is to consult the FGTS balance directly through Internet Banking.

Requirements for withdrawing FGTS

Withdrawal of the FGTS is permitted in specific situations, such as:

 

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  • Unjustified dismissal;
  • Retirement;
  • Home ownership;
  • Urgent and serious personal need in the event of natural disasters;
  • Death of the worker;
  • Age 70 or over;
  • People with HIV (AIDS) or cancer (worker or dependent);
  • Have been out of the FGTS system for three uninterrupted years.

Withdrawal procedure

The withdrawal procedure varies according to the situation. In general, the steps include:

  1. Required documentationDocumentation varies according to the type of withdrawal. For example, in the case of dismissal without just cause, it is necessary to present the work permit, identification document and the termination of employment contract.
  2. Service ChannelsWithdrawals can be made at Caixa branches, lottery shops (for v
  3. amounts up to R$1,500.00 with Citizen Card and password), Caixa Aqui correspondents or directly at the self-service, for amounts up to R$3,000.00, with Citizen Card and password.
  4. Withdrawal deadlinesAfter dismissal, the worker has up to 5 years to request withdrawal of the FGTS. For other modalities, such as retirement and serious illness, the deadline may vary.

Important Tips

  • Keep your registration details up to date on the Caixa app or website to facilitate communication.
  • Always check that deposits are being made correctly by your employer
    ador.
  • Consider keeping your FGTS invested for emergency situations or to increase your assets in the long term.

Conclusion

The FGTS is an important protection tool for workers and can be an ally in your personal finances. Regularly checking your balance and understanding the procedures for withdrawing funds are essential to guaranteeing your rights and better planning your financial future. Always be aware of updates and new FGTS rules to maximize your benefits.